WO2001018718A1 - Systeme et procede d'evaluation de risques de credit - Google Patents

Systeme et procede d'evaluation de risques de credit Download PDF

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Publication number
WO2001018718A1
WO2001018718A1 PCT/US2000/024612 US0024612W WO0118718A1 WO 2001018718 A1 WO2001018718 A1 WO 2001018718A1 US 0024612 W US0024612 W US 0024612W WO 0118718 A1 WO0118718 A1 WO 0118718A1
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WO
WIPO (PCT)
Prior art keywords
customer
bill
billing
electronic commerce
risk analysis
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Application number
PCT/US2000/024612
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English (en)
Inventor
Hugh Gibbs Taylor, Jr.
Original Assignee
Taylor Hugh Gibbs Jr
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Taylor Hugh Gibbs Jr filed Critical Taylor Hugh Gibbs Jr
Priority to AU73574/00A priority Critical patent/AU7357400A/en
Publication of WO2001018718A1 publication Critical patent/WO2001018718A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • This invention relates to electronic commerce applications using communication networks such as the Internet, and more particularly to systems and methods that facilitate transactions between a customer and an electronic commerce merchant.
  • Internet are used, it has become common for electronic commerce merchants to require customers to provide credit card numbers when purchasing goods or services. If a customer is unwilling to provide a credit card number, for example, because of concerns that the credit card number will be stolen or misused, the customer may be required to pay for his purchase outside of the electronic communication system by writing, for example, a check or a money order, and physically sending the payment to the merchant.
  • a bill-me (also referred to as a "pay-later") transaction occurs when a customer orders goods or services from an electronic commerce merchant through an electronic communication system such as the Internet, and the customer requests that the customer provide payment after the merchant sends the goods or provides the services.
  • the merchant extends credit to the customer and has a need to evaluate the credit risk associated with the customer and the transaction.
  • An object of the invention is to provide a method to facilitate a transaction between a customer and an electronic commerce merchant by enabling the customer to purchase goods and services without using a credit card.
  • An object of the invention is to provide a method to facilitate a transaction between a customer and an electronic commerce merchant by enabling the customer to evaluate the products or services of the electronic commerce merchant prior to paying for the products or services.
  • An object of the invention is to provide a method to facilitate a transaction between a customer and an electronic commerce merchant by assisting the electronic commerce merchant in determining if it is appropriate to extend credit to the customer.
  • An object of the invention is to facilitate the access of electronic commerce merchants to a pay-later database that contains credit-risk information on customers (references to credit information contained in this Specification are for descriptive purposes in the context of the present invention and are not intended to be interpreted in the context of the Fair Credit Reporting Act).
  • An object of the invention is to facilitate the creation of, and the access of electronic commerce merchants to, a bill-me customer registry that pre-qualifies customers for bill-me transactions.
  • An object of the invention is to enable electronic commerce merchants to reduce their credit risks related to bill-me customer transactions.
  • a preferred embodiment of a method of the present invention, as broadly described herein, for using a computer system to facilitate a transaction between a customer and an electronic commerce merchant includes the steps of receiving into a computer system a request for billing-risk analysis from an electronic commerce merchant, verifying the identity of the customer, performing a billing-risk analysis, transmitting, from the computer system, the billing-risk analysis to the electronic commerce merchant.
  • the request includes identification information, and the performing and verifying steps are responsive to the identification information.
  • the performing step is responsive to a pay-later database.
  • the performing step is responsive to a bill-me customer registry.
  • a preferred embodiment of a method of the present invention, as broadly described herein, for using a computer system to register bill-me customers includes the steps of receiving into a computer system a request for bill-me registration, verifying the identity of the customer, performing a billing-risk analysis, and generating the bill-me registration in a bill-me customer registry.
  • the request includes identification information on a customer
  • the verifying and performing steps are responsive to the identification information
  • the generating step is responsive to the identification information and to the billing-risk analysis.
  • the billing-risk analysis step is responsive to a pay-later database.
  • a preferred embodiment of a method of the present invention, as broadly described herein, for reducing electronic commerce merchant risks related to bill-me customer transactions includes the steps of packaging bill-me customer transactions that were generated by at least one electronic commerce merchant, and selling the packaged bill-me customer transactions to a party unrelated to the electronic commerce merchants that generated the transactions.
  • FIG. 1 is a flow chart depicting a preferred embodiment of a method for using a computer system to facilitate a transaction between a customer and an electronic commerce merchant.
  • FIG. 2 is a flow chart depicting a preferred embodiment of a method for using a computer system to register bill-me customers.
  • FIG. 3 is a flow chart depicting a preferred embodiment of a method for reducing electronic commerce merchant risks related to bill-me customer transactions.
  • FIG. 4 is a diagram depicting preferred embodiments of a system for facilitating a transaction between a customer and an electronic commerce merchant, and of a system for registering bill-me customers.
  • a bill-me transaction occurs when a customer orders goods or services from an electronic commerce merchant through an electronic communication system such as the Internet and instructs the merchant to send the goods or provide the services prior to receiving payment for the goods or services.
  • the merchant extends credit to the customer.
  • the merchant in other types of transactions, for example when the customer provides a credit card number that the merchant validates before shipping goods, the merchant itself does not extend credit or extends credit for a very short period of time and, in any event, takes virtually no credit risk.
  • merchants have a need to evaluate the credit risk associated with the customer and the transaction.
  • credit information on customers which may serve as a pay-later database that is used, as is known in the art, to evaluate bill-me customers, is derived from consumer performance databases.
  • consumer performance databases For example, in direct mail marketing, databases are available that track consumer performance in direct response credit offers. Other existing databases track consumer performance, for example, in honoring personal checks. While using such databases, merchants may also contribute their own files of under-performing consumers, thus aiding in maintaining a powerful and current consumer credit data set.
  • Preferred embodiments of the present invention comprise a system to handle realtime customer screening via the Internet and other computer networks in support of electronic commerce merchants (e-merchants).
  • the invention comprises three main components which may be used alone or in combination.
  • these components include a pay-later database, a customer registry and bill-me software.
  • the pay-later database stores and makes available credit information on specific individuals which merchants may access via the bill-me software, as is known in the art. Records in the database contain credit information on individuals. In preferred embodiments, this information may be obtained from credit reporting services. Credit information on individual customers may also be obtained from electronic commerce merchants subscribing to the database.
  • the customer registry which in preferred embodiments may be maintained as a separate system, provides a vehicle for individuals to pre-qualify as customers acceptable to merchants as "pay-later" customers.
  • the customer may then be directed to electronic commerce merchants that offer bill-me as a payment option.
  • the bill-me software may be installed on an electronic commerce merchant's Internet website (or other computer network host).
  • the bill-me software enables the electronic commerce merchant to offer customers the ability to direct the merchant to bill the customer, and for the customer to pay later, while receiving the ordered goods or services immediately.
  • the bill-me software also provides merchants with real-time access to a pay-later database to evaluate and manage the credit risk for the particular customer and the particular transaction.
  • the bill-me software is a Java applet residing on the e-merchant server(s) that initiates communication requesting the bill me services.
  • the bill-me software enables communication across various channels including public and private internets.
  • the allowed protocols for such communication are http and https.
  • incoming requests for the bill-me service are managed by a cgi script residing in a web server (for example, the Apache/Stronghold) environment.
  • several consumer fields for example, name, address, telephone number, session ID, email address, and initiating IP address
  • the requesting Java bill-me software having made the request for service, will then listen for the request response.
  • the cgi script upon receipt of the incoming request for service, parses, as is known in the art, the required TCP/IP information and variables, removing unnecessary http headers.
  • the credit risk evaluation process includes USPS address standardization for validity and accurate matching to the pay-later database.
  • the customer information including the standardized address is matched to the pay-later database by match logic, as is known in the art.
  • a risk evaluation measure is derived dynamically, as is known in the art, using all applicable matched data. Such risk measures, as are known in the art, are optimally predetermined from matched data using statistical software.
  • the bill-me software will be turnkey to the e-merchant from generating the order through invoicing and payment processing.
  • the present invention also includes a financing option whereby a third party would, effectively, purchase the receivables created by bill-me transactions, removing financing risk from the merchant's decision. To the extent that this encourages merchants to use the system and contribute the resulting performance data to the pay-later database, it further strengthens the performance of the system in predicting credit risk.
  • FIG. 1 depicts a flow chart of a preferred embodiment of a method for using a computer system to facilitate a transaction between a customer and an electronic commerce merchant.
  • the transaction refers to the potential purchase of goods or services from the electronic commerce merchant by the customer on a bill-me basis.
  • the transaction is facilitated by providing the electronic commerce merchant with an analysis of the credit risk involved in dealing with a particular customer on a bill-me basis.
  • This method includes the steps of receiving into a computer system a request for billing-risk analysis from an electronic commerce merchant, verifying the identity of the customer, performing a billing-risk analysis, and transmitting, from the computer system, the billing-risk analysis to the electronic commerce merchant.
  • the request includes identification information on a customer, and the verifying and performing steps are responsive to the identification information.
  • the step of receiving into a computer system a request for billing-risk analysis from an electronic commerce merchant is accomplished by Receive a request for billing-risk analysis step 101.
  • the request includes identification information on a customer.
  • the computer system is a general purpose standalone computer system, a special purpose standalone computer system, a computer system formed from computer systems that are interconnected through a communication system, or other types of computer systems as are known in the art.
  • the computer system is connected to a communication system such as the Internet, and the request is sent to the computer system through the communication system.
  • the originator of the request may be an electronic commerce merchant that is also connected to the communication system. The operation of receiving the request is performed as is known in the art.
  • the step of verifying the identity of the customer is accomplished by Verify the customer identity step 102.
  • the verifying operation is responsive to the identification information.
  • a variety of techniques as are known in the art may be used to verify customer identities based on the identification information.
  • several consumer fields for example, name, address, and telephone number
  • This identification information is processed by a cgi script and the verification operation includes USPS address standardization and match logic.
  • the step of performing a billing- risk analysis is accomplished by Perform a billing-risk analysis step 103.
  • the billing-risk analysis is responsive to the identification information.
  • the billing-risk analysis is responsive to the customer identification verification step.
  • a variety of techniques as are known in the art may be used to perform the billing-risk analysis operation for bill-me transactions.
  • a risk evaluation measure is derived dynamically, as is know in the art, using all applicable matched data from the verification step. Such risk measures, as are known in the art, are optimally predetermined from matched data using statistical software.
  • the step of transmitting, from the computer system, the billing-risk analysis to the electronic commerce merchant is accomplished by Transmit the billing-risk analysis step 104.
  • the transmitting operation is performed as is known in the art.
  • the billing-risk analysis is transmitted to the electronic commerce merchant that requested the analysis through a communication system such as the Internet as described above in connection with the receiving step.
  • the performing a billing-risk analysis step is responsive to a pay-later database.
  • the pay-later database stores and makes available credit information on specific individuals which merchants may access via the bill-me software, as is know in the art. Records in the database contain credit information on individuals. In preferred embodiments, this information may be obtained from credit reporting services. Credit information on individual customers may also be obtained from electronic commerce merchants subscribing to the database.
  • the customer identity verification operation and the billing-risk analysis operation include USPS address standardization for validity and accurate matching to the pay-later database. The consumer information including the standardized address is matched to the pay-later database by match logic, as is know in the art.
  • a risk evaluation measure is derived dynamically, as is know in the art, using all applicable matched data. Such risk measures, as is know in the art, are optimally predetermined from matched data using statistical software.
  • the performing a billing-risk analysis step is responsive to a bill-me customer registry.
  • the bill-mc customer registry which in preferred embodiments may be maintained as a separate database system, as is known in the art, provides a vehicle for individuals to pre-qualify as customers acceptable to merchants as pay-later customers.
  • a billing-risk analysis is performed on customers at the time that they are entered into the registry. Therefore, the billing-risk analysis performed on customers who are entered into the registry need, in preferred embodiments, only consider customer information that was obtained after the customer was entered into the registry.
  • the customer may then be directed to electronic commerce merchants that offer bill-me as a payment option.
  • FIG. 4 depicts preferred embodiments of a system for facilitating a transaction between a customer and an electronic commerce merchant.
  • Customers 401 use Communication System 402 to conduct transactions with E- Commerce Site 403.
  • Customers 401 may be individuals using personal computers, businesses using computer networks, or other entities, as are known in the art, that may conduct transactions for goods or services with electronic commerce merchants.
  • E-Commerce Site 403 is a hardware and software combination system or a software-only system providing e-commerce services for an electronic commerce merchant, as is known in the art.
  • E-Commerce Site 403 is a hardware and software combination system or a software-only system providing e-commerce services for an electronic commerce merchant, as is known in the art.
  • E-commerce Site 403 is a hardware and software combination system or a software-only system providing e-commerce services for an electronic commerce merchant, as is known in the art.
  • E-commerce Site 403 is a hardware and software combination system or a software-only system providing e-commerce services for an electronic commerce merchant, as is known
  • Commerce Site 403 contains software system Bill-Me Requestor 404 which supports bill- me transactions as described below.
  • Communication System 402 in preferred embodiments, is the Internet, or is other public or private communication systems as are known in the art.
  • Credit Risk Analyzer 405, Pay-Later Database 406, and Customer Registry 407 are hardware and software combination systems or software-only systems that support bill-me transactions as described below.
  • Pay-Later Database 406 and Customer Registry 407 operate in a manner similar to that of the pay-later database and the customer registry described above.
  • Credit Risk Analyzer 405, Pay-Later Database 406, and Customer Registry 407 may reside on separate hardware platforms with separate communication connections with Communication System 402, or may freely share hardware platforms with other systems, including E-Commerce Site 403, as is known in the art.
  • Database 406, and Customer Registry 407 generally comprises one or more processors connected to one or more storage devices, with the storage devices storing a program for controlling the processor.
  • Credit Risk Analyzer 405 includes a processor operative with a program to receive a request for billing-risk analysis from an electronic commerce merchant, verify the identity of the customer, perform a billing-risk analysis, and transmit the billing-risk analysis to the electronic commerce merchant.
  • the request includes identification information on the customer, and the verify and perform operations are responsive to the identification information.
  • the receive, verify, perform and transmit operations are conducted in a manner similar to that described above for the corresponding operations in connection with FIG. 1.
  • the request is generated by Bill-Me Requestor 404 as part of a transaction between E-Commerce Site 403 and Customer 401.
  • the billing-risk analysis is transmitted to Bill-Me Requestor 404.
  • the billing-risk analysis is responsive to Pay-Later Database 406.
  • Pay-Later Database 406 operates in a manner similar to that described above for the pay-later database operations in connection with FIG. 1.
  • the billing-risk analysis is responsive to Customer Registry 407.
  • Customer Registry 407 operates in a manner similar to that described above for the bill-me customer registry operations in connection with FIG. 1.
  • FIG. 2 depicts a flow chart of a preferred embodiment of a method for using a computer system to register bill-me customers.
  • the bill-me customer registry is described in the previous section.
  • This method includes the steps of receiving into a computer system a request for bill-me registration, verifying the identity of the customer, performing a billing-risk analysis, and generating the bill-me registration in a bill-me customer registry.
  • the request for bill-me registration includes identification information on a customer, the verifying and performing steps are responsive to the identification information, and the generating step is responsive to the identification information and the verifying step.
  • FIG. 1 depicted in FIG.
  • the step of receiving into a computer system a request for bill-me registration is accomplished by Receive a request for bill-me registration step 201.
  • the request includes identification information on a customer.
  • the computer system is a general purpose standalone computer system, a special purpose standalone computer system, a computer system formed from computer systems that are interconnected through a communication system, or other types of computer systems as are known in the art.
  • the computer system is connected to a communication system such as the Internet, and the request is sent to the computer system through the communication system.
  • the originator of the request may be a customer that is also connected to the communication system. The operation of receiving the request is performed as is known in the art.
  • the step of verifying the identity of the customer is accomplished by Verify the customer identity step 202.
  • the verifying operation is responsive to the identification information.
  • a variety of techniques as are known in the art may be used to verify customer identities based on the identification information.
  • several consumer fields for example, name, address, telephone number, session ID, email address, and initiating IP address
  • This identification information is processed by a cgi script and the verification operation includes
  • the step of performing a billing- risk analysis is accomplished by Perform a biiimg-risk analysis step 203.
  • the billing-risk analysis is responsive to the identification information.
  • the billing-risk analysis is responsive to the customer identification verification step.
  • a variety of techniques as are known in the art may be used to perform the billing-risk analysis operation.
  • a risk evaluation measure is derived dynamically, as is know in the art, using all applicable matched data from the verification step. Such risk measures, as are known in the art, are optimally predetermined from matched data using statistical software.
  • the step of generating the bill-me registration in a bill-me customer registry is accomplished by Generating the bill-me registration step 204.
  • the bill-me customer registry is a database as described in the previous section.
  • the generating operation is performed by creating, as is known in the art, a record in the bill- me customer registry that contains identification information.
  • the identification information includes USPS address standardization, as is know in the art.
  • the performing a billing-risk analysis step is responsive to a pay-later database.
  • the pay-later database was described in the previous section.
  • FIG. 4 depicts preferred embodiments of a system for registering bill-me customers. The elements of FIG. 4 were described in the previous section.
  • Credit Risk Analyzer 405 includes a processor operative with a program to receive a request for bill-me registration, verify the identity of the customer, perform a billing-risk analysis, and generate the bill-me registration in a bill-me customer registry.
  • the request includes identification information on the customer, the verify and perform operations are responsive to the identification information, and the generate operation is responsive to the identification information and the billing-risk analysis.
  • the receive, verify, perform, and generate operations are conducted in a manner similar to that described above for the corresponding operations in connection with FIG. 2.
  • the request is initiated by Customer 401.
  • the generate operation stores the bill-me registration in Customer Registry 407.
  • FIG. 3 depicts a flow chart of a preferred embodiment of a method for reducing electronic commerce merchant risks related to bill-me customer transactions.
  • the electronic commerce merchant takes on the credit risk involved in bill-me transactions with the electronic commerce merchant's customers.
  • Some electronic commerce merchants may desire to reduce or eliminate such credit risks.
  • This method includes the steps of packaging at least one bill-me customer transaction that was generated by at least one electronic commerce merchant, and selling the packaged bill-me customer transactions to a party unrelated to the electronic commerce merchants that generated the transactions.
  • the step of packaging at least one bill-me customer transaction that was generated by at least one electronic commerce merchant is accomplished by Packaging at least one bill-me customer transaction step 301.
  • bill-me customer transactions that share similar expected performance characteristics are packaged or "bundled" together for sale.
  • the step of selling the packaged bill-me customer transactions to a party unrelated to the electronic commerce merchants that generated the transactions is accomplished by Selling the packaged transaction step
  • the packaged bill-me customer transactions are in the form of accounts receivable, and are sold at a discount to a party unrelated to the electronic commerce merchants that generated the transactions.
  • the risk of non-payment associated with the transactions is passed from the electronic commerce merchants to the unrelated party, and the unrelated party obtains the transactions at a discount.

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Abstract

L'invention concerne des systèmes et des procédés facilitant les transactions à facturation postérieure entre clients (401) et commerçants électroniques (403), enregistre les clients à facturation postérieure (407), et permet aux commerçants électroniques (403), de réduire les risques liés à ce type de transactions (404). Dans l'un des modes de réalisation préférés d'un procédé de cette invention, on relève les phases de (1) réception d'une demande dans un système informatique pour une analyse des risques liés à la facturation (405) par un commerçant électronique (403), (2) vérification de l'identité du client (401), (3) réalisation d'une analyse du risque de facturation (405), et (4) envoi, depuis le système informatique, de l'analyse du risque de facturation (405) au commerçant électronique (403).
PCT/US2000/024612 1999-09-09 2000-09-08 Systeme et procede d'evaluation de risques de credit WO2001018718A1 (fr)

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AU73574/00A AU7357400A (en) 1999-09-09 2000-09-08 System and method for evaluating credit risks

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US15294699P 1999-09-09 1999-09-09
US60/152,946 1999-09-09

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